Welcome to Why to Retire. This is one of the few web sites that will not insist that you need to keep working long into your old age so that you can still enjoy a fancy lifestyle. I am also not going to tell you that the only way you can possibly quit working is to have millions of dollars socked away in your nest egg.
I am not interested in manipulating you and using guilt trips on you to try to convince you to do things that are not good for you such as working years more in a stressful job that uses up what little time you have left. I am not going to admonish you for not having some giant sized amount of money in the bank or some investment account before you can even think about retirement.
No, what I am interested in is helping you to see the writing on the wall. I want you to wake up to what I consider the most important thing...you matter.
And because you matter, because your life is the most important thing to you, I believe it is up to you to decide how you go about living it. And your early retirement is one of the biggest keys to your having the time to really get a life.
I am sick of reading countless headlines saying that since so many people are living longer and remaining healthier we have to work much, much longer. I don't think that is true at all. Most of you are going to be dead before you are 75 and those of you who live longer than that will be severely limited in what you can do. Old age is still going to ravage most of us into weak, frail, shells of our former lives.
It is almost as if they think they own us and that they
have a right to tell us what to do for our entire lives and even have
the right to tell us when we can quit working.
Your life is
too short and precious to spend it all working for someone else waiting
and waiting to start living. You need to find a way to have a great
life in spite of the lies you are told that you are going to be healthy and live a long time.
Aren't you sick of hearing these statements?
I reject all that terrible advice.
Look at this table below showing how soon you will die the longer you delay taking your retirement. The first time I saw this table I was shocked. The next time I studied it I started making plans for my early retirement. I need time to have a life. I think you do too.
If you look closely at the table above you will see that, on average, if you retire at age 55 you will live until you are 84. If you delay your retirement until age 65 you will be dead in a year, or at 66.
I hope you will agree with me that your life and your happiness are the most important thing to you. Not health insurance. Not your big mortgage. Not your bills. Not your family. Not your job. Not the lie that says you are going to live longer and not get sick in your old age.
Especially not that. Most of us are going to get sick and die much, much younger than we think. Death is coming for us all.
need get to your reason of why to retire as soon as possible. Get
those wrong ideas out of your head so you can start thinking about what
you really want.
Do you really need a reason for why to retire? You wouldn't think so. But It looks like we are being pushed, pulled and prodded into working longer and longer. It seems the headlines are filled with stories about people living longer and staying healthier until old age. We are told there is not enough money for older people and the only solution is for everyone to just keep working.
But is any of that true?
Is it true that we are living longer and remaining healthy?
Look around at the older people you know, especially your older blood relatives. Do they seem healthier? Are they even alive? Did they live to see 90 and if they did, were they living a quality life of enjoyment and contentment, free from major health issues?
Or are they strapped to machines and on multiple prescriptions. Are they old, tired, slow, with poor eyesight, and not able to do much except watch whatever inexpensive TV they can afford.
Or are they dead?
I don't mean to be blunt, but you are going to die. You are going to die a lot sooner than you think and you are going to most likely spend the majority of your golden years sick and suffering with all kinds of age related problems.
That is the kind of retirement most of you are going to have.
You are planning on working until you are at least 65 or maybe 68 to get a few more earning years in. Maybe some of you are thinking 70 or even 75. After all you have been told your entire life that you should like your work and be happy to have to have a job. You have that big mortgage to pay off and you don't want to be a burden on your kids or society do you?
I have heard all this and am sick of it.
My answer to all this is no. I am going to find a way to retire as soon as possible and in the process of that I am going to enjoy my life like I am retired already.
That is the vision I have for my life and for this website.
I am not going to continue to be pushed into things I don't want to do. I have spent the better part of my life going along with what others wanted and I do not have anything to show for it
I am going
to live the rest of my life on my terms, doing what I want. I am not
going to blindly obey some outside authority and work until I drop.
I have a lot of things I want to do, a lot of places to see and a lot of experiences to try. I need time to do all those things. Time that I do not have because I am stuck working 5 days a week for 40 hours.
That is too much of your life to lose. You have no idea how many days you have left in spite of what "they" say. You have to live your life like it is going to end sooner rather than later.
If you live healthy and happy for decades more, that would be glorious. But the reality is you probably won't.
Most men rarely live past 75. A very large percentage do not see 70. If they do, they are not well.
How can you take those long vacation if you are too sick?
Women tend to live a little longer, but not that much more. A year or two does not really seem like that much of a life.
And what I want the most is plenty of free time to do those things. And I want to be able to do those things when I am young enough to do them. I will always enjoy them. It is just the problem of being able to do those things.
I believe that your life purpose is to be happy. I don't believe you are only here to serve others. I believe you are here to take care of your needs and in the process of making yourself happy you are going to affect lots of people in a positive way.
Others will benefit by you going about the business of living happy. But that is a side benefit.
What you need to create more happiness in your life is more time to do what makes you happy.
Retiring early will give you that time.
What you need is time to pursue those things that make you happy.
You need to start to focus on your needs, your happiness and what you need to do to retire as soon as possible and enjoy your life along the way.
We are going to discuss inspiration, motivation, dreams, goals and visions.
Plus, we will find some specific actionable items to move you closer to your dreams.
I think that I am like a lot of you. You are in your 40's or 50's and you have worked hard and long hours chasing a dream that isn't really yours. You kept thinking that if you just work more you will get what you want. But it still eludes you.
You keep hearing that people are living longer and longer and that we will be healthy long into old age. So we will have to keep working longer so we don't run out of money.
Why can't you retire as soon as possible and start doing what you want?
am trying to get past all the negative garbage out there saying how
long I have to work. I am trying to get past the guilt of feeling the
need to take care of everyone else, except me. I am trying to have a
That's what I want for my life isn't that what you want too?
I always thought that I couldn't enjoy my life because a lack of money. But it was really a lack of time. If you truly get this, you will realize that in order to have the great life you want, you need an enormous amount of free time. You need many hours a day. You need many days off. You need years. This is your life. You need to retire as soon as possible and you need to get some retirement type living in your life now.